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Pandemic will just accelerate the change that was already happening.
High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge. Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.
As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers use to work close to will lose sales.
Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus. Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.
Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.

This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.
https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html

Small attachment to an iPhone that cost £288.00.
I know anything that relates to Apple can be very expensive, but what was the attachment ?
Did you return the attachment product in its original packaging ?
How often do you buy products from Amazon ?
How often do you return products to Amazon ?
Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?

So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely.
I don't see how we can move forward on that basis

Thank you.
First of all, this is not chronology so we don't have any sense of the timeline.
It's still rather complicated – but maybe when you produce a chronology it will come more into focus.
However, there are a few things that we can start to tease out.
You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer.
However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format.
You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings.
You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares.
You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did?
You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened.
You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you.
Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan.
I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble

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I only received my first letter yesterday and I already want it over and done with.

I will keep you posted with solicitors advice

but from the last solicitor I spoke to it's all a very grey area!

UAE debt, can be enforced here but would it actually be enforced depending on the evidence..

.. unlikely but who knows.

He couldn't find anything prior to our meeting earlier this year where cases had been won by the uAE banks?!

We are paying 3x the amount for this new solicitor so I expect some results to show these solicitors are winning the amount of cases they claim to be, after all since a post in 2011 they've been winning 20 every 3 months!

Pretty impressive if it were true! Exactly the same letter wording too!

They are being completely unreasonable and I can't imagine any judge would look favourably on them if ever it did go to court?!

Oh and for the CDW spies who come on here to see what's going on...

. There are some who will fight you, who can afford a good solicitor to see through your cr@p and will feed back to the other members who are literally at their wits end to make sure you get as little as possible! I wish I could swear but it sounds a lot like twonks!

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CCA request?! Not a clue what that is and I'm not sending anything - every bit of correspondence will be done through my solicitor. I don't want to speak to them at all after reading about their practices. They are no flamin better than the Dubai laws!

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You mean the credit agreement? If so yes I have part of badly photocopied or scanned agreement, lots of pages missing. An accounts statement that makes no reasonable sense and some other paperwork in Arabic. Got this off the DCA earlier this year. Again the solicitor said he can't see how that would stand up in any court of law?! I presume CDW will have the same info but time will tell.

however, they are getting through the initial stage with the Dubai documentation.

Until some case are actually won against them solicitors are reluctant to offer their services because a debt of some sort is owing and unless you've got nothing to loose you are risking loosing everything by fighting it.

Don't be disheartened though, look at the guy above who's fighting and already won the first step!

I truly hope his becomes the case law we are waiting for.

CDW have been professional in dealing with us however there has been no scope for negotiating.

Pay it all or court.

I have not been able to use my solicitor as yet because if they sent a letter acting in our behalf CDW would serve them with notice, they then have to hire a barrister to go to court to say they should not be served so there is £700 before you start.

But that's not to say once served the solicitor can't act on your behalf.

It's a matter of time for this firm of solicitors! I look forward to reading about them in the newspaper!

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Quick question as I've already been through this process with CWD 2 years ago and I paid.

Second debt request for our other car has hit in the way of a phone call from a very helpful and friendly solicitor (who knew they existed!) at Stockslegal limited.

She said the bank would be willing to negotiate if we paid in full.

I'm not going to ignore it as I did that before and CDW added £2k to the bill!

I want to be on top of this.

Left in January 2009,

can we simply use the 6 year limitation as a defence?

I understand it's a UK debt but being heard in a UK court, surely has to have advantages?

In the meantime I've asked for all info and strangely have not had even an acknowledgement of the 2 emails I sent in response to her letter stating I had 7 days to reply or court action. CWD were all over the correspondence!

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Don't go by some online reports, as it has been known for some Middle East debt collectors, to post fake reports online, that suggest allsorts. I remember reading one instance where they were found out doing this. They don't operate by UK finance standards.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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Will keep you posted when she sends the information and see what it is they are claiming for. Right now the account number she has sent is not relating to our car, maybe that's what's taking so long! Thanks guys much appreciated.

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Looks like I'm the only one having dubai debt bother- which is good (in a way)

So solicitor is start CC action at the end of the month as we've not responded to emails we've not received even though she's had the contact number but hasn't used it as she's been on holiday in dubai for a month. I want to fight it but my husband thinks it's best just to pay.